08-27-2011 07:32 PM
^^^^^^^OH!!OK Got it now!! THANKS!! Well at least it well help towards utilization.^^^^^^^
08-27-2011 08:32 PM
It may actually be a soft pull. I got a BB store card within the last month and just checked EX and TU this week and it does not show up on mine as a hard pull. However, I had a BB store card a number of years ago (always in good standing...I used it for financing deals and was never late and always paid off the balance before interest was charged). Anyway, I have a BB inq showing up as a soft pull.
So if you had a card in the past that was in good standing, then HSBC may do a soft pull.
08-27-2011 08:34 PM
08-27-2011 08:40 PM
IIRC (if I recall correctly), HSBC pulled Equifax for me when I got the store card. This could very well vary, though.
08-27-2011 08:43 PM
08-27-2011 08:52 PM
As others have said, it's worth the hard pull assuming you don't have a lot of inquiries on you right now. 2k limit + whatever money you saved by signing up for the card + 18 months no interest is pretty sweet!
08-27-2011 09:01 PM
A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.
Many, many lenders will soft you on one report but pull a hard for an actual app on another. That way they have more info on you, since many people have, errr, "prettier" reports with one CRA than another.
--and that happens both when you already are a customer, and when you don't have an account with them.
10-30-2011 12:28 AM
It is not a soft pull! HSBC does a hard inquiry that is reported to all 3 credit reporting agencies. I would bet that she had no idea what you were talking about.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.